FSM Processing, United Federal Bank, and Jail?

I've never even heard of these places...And when I had my payday loan problems I thought I knew all the internet lenders! Sounds like they operate like ICS, with putting money in your account without notifying you.

I have taken out several payday loans. I have had them with several different companys. I am an adult and read what I agree to. If I do not follow through with my agreements which are clearly stated on the documents ( which I agreed ) I would expect consiquence. I can not agree to phone service and not pay my bill. I could not run up my credit card and not pay it back as I agreed. It is not the payday loan companys responsibility something has come up and you can not pay them. Just like it is not any debtors responsibility. You have to take your own resposibilty for your actions-

I received a call today from Russell Creshaw (Director of Pre-Litigation) he advised me that I needed to pay $820 before 12:00pm today. He said I applied for a loan back on 3/6/06 (cannot remember) I applied for 2 of them and they were paid off without any demands. I kept questioning him about sending me proof that I owe the money and he was very nasty saying he cannot pull anything off his systems b/c its in progress to be downloaded. I asked for an email and said he could request one to be sent but it may not come. I told him I needed to see some proof b/c if i owed a payday loan they would of contacted me. He refused and stated that he didn't have time to hear my fuss about this and transferred me to someone named Theresa to give me the info on sending the payment through money gram. I took the information & called back again with questions. I asked him when was my file sent to him and he said last week and I asked why did you just call me today if you received it last week. He said the paralegals have to process the paperwork first and then it comes to him. He just didn't want to be bothered with my issues and said if I didn't pay the authorities will be picking me up today. I checked a website called Rip-off report.com and seen that company above has issues with fraud and its been happending for sometime. So anyone that touched that website is a target. He was not able to fax me or email anything b/c he said the payday loan companies does not have to notify me and they have the right to press charges. The bank account that I had has been closed since April. I agreed to use my new account and he refused and said I had to pay cash today. To be honest I can't even remember this pay day loan company at all. And said the company has been ripped off of $12 million dollars and they are making folks pay for resitution to make an example out of folks you have loans and do not pay them.

Jena,
Do not pay a dime unless you have proof that you did have this loan!

This man is lying through his teeth when he tells you the authorities are coming!

Whatever you do...DO NOT under any circumstances give this man or any other payday loan company your new bank account info!!

Does anyone know anything about Apple corp. and DMS Marketing payday loan companies? I borrowed $200.00 a piece from these people and they are trying to tell me i have to pay back over $900.00 a piece to them but when i asked for debt validation they dont know what im talking about. Am I going to jail if i dispute these charges?

I myself received a call from a Sonnie Petersen stating he was from Bass Enterprises representing FSM, EPP & SJM Marketing. Stating at 6 pm he was going to download 9 counts of fraud agaisnt me if i didnt pay. Scared the heck out of me, I am currently enrolled in a debt program with attorneys which are suppose to handle this. The loan amount oringal amounts were for maybe 800.00 he told me I owed 1860.00. Said i committed fraud etc. at the time i tokk the loans I had no intention of not paying them, i just took took too many of them out that I couldnt afford to pay them. Any help out there. I sent 300.00 via moneygram last nite but after reviewing this board not sure if i should have done that. Now they want me to pay 312 for 5 months via moneygram.

Please don't send those liars anymore money. They have violated so many fdca rules. If they call you back, let them know you are not sending anymore money until they can verify the debt. Several people have run into these creeps and I haven't heard of anybody getting anything validated. They were just trying to scare you into paying fast so they could move on to the next victim. These people keep operating under different names and they really need to be shut down.

http://www.debtconsolidationcare.com/creditors-information/about13221.html

Oh my god, today the same thing happened to me. A lady from the FSM groups, account services called me and said that if I didnt pay the fsm group 415.00 dollars by 4:00 today I was going to jail. They said I had committed malicious bank fraud. I balled my eyes out because I have never been in trouble before. I was actually scraping the money up, when my dad called and tol me to call the District Attorney. When I did call she informed me that it was a lie, andthey were trying to scam me. She told me to close my bank account and not worry. These people are ridiculous!!!!

how do i access my account online to see my details of my loan??

Arthur,

I think you have googled a company and came across this website..What company are you looking for?

i got a harrassing phone call today from a Brian Adams telling me to pay $580 or the police was going to pick me up at my job!! He said what I was doing is criminal. I told him I have never refused to pay and would make payment arrangements. He wouldn't even discuss this. He said I had to pay today!! I told him he would here from my lawyer beacause he cannot harrass me i this manner. And I also told him that it would cost him more to take me to court than to just make payment arrangements with me. He also told me "good Luck" I don't know how many times! It is the only thing you can understand. I asked him if he speaks English because I can't understand what language he's talking in!! I only borrowed $200! I got the call from 305-433-8367. WHO ARE THESE PEOPLE!!! :evil:

I borrowed $200 from FSM and their was a $79 dollar fee so the total that I would have owed was $279. I got behind in paying my payday loans but now I am recieving a call from a Jayden Smith saying that I owe them $350.00? I am willing to pay the $279 that I owe but the $350 I dont know where they are getting that number. She herself could not tell me. What should I do? I need an address for this place. I am not going to western union quick collect any monies to them. Someone told me that I can send the monies to the credit bureau and let FSM know where I sent the funds. Is this true. Please help. I am tired of them calling me. Thanks

I took out a pdl with FSM back in July. My checking account was in trouble, and so I worked out a deal with the bank to close my account, with payment arrangements to pay off my overdraft items.

I didn't contact FSM because I couldn't find the number that I printed off on the email they sent me after the loan was approved. I tried to do an internet search and could never find a number -- only other pdl companies that they work through.

Today at work I received a call from Kimberly Davison at 345 pm CST. She informed me that she was attempting to collect a debt. That I had taken out a pdl with FSM Group, whom she represented. That I had until 4 pm CST to pay the out of court settlement amount of $820 (on an original loan of $500) or they would release my case number to the prosecuting attorney's office. I would then be arrested (at my place of employment) after a fellow employee identified me, and that I would want to make sure a loved one had the case number to get me out of jail.

She told me I could avoid all of that by sending a money gram from walmart and gave me the receive code, pay to, city, state, account number and told me to send it to her attention, making sure I included all of my information and signing it -- and noting on the send message: FSM Group.

She freaked me out. I made arrangements to borrow the money, but the person loaning me the money (my best friend) told me she would do whatever she could, but she wanted to know that it isn't a scam. I'm concerned that if I don't send the money by the agreed upon extention time deadline of 9 am CST Oct. 19, I will go to jail. HELP!!!

I am so glad I'm in here I was about to get a loan from these people they just said they would gve me a loan for 200 an I repay 280.00. Oh my God I do not have tie for thi drama not for 200.00 dollars Thanks you guys

Anytime! I'm just glad you found this site before you made the mistake. Please never take a payday loan, storefront or internet.

I have filed a complaint via the Florida Attorney Generals website, and I got in the mail today an affidavit. It seems the folks at Bass and Associates, really ARE Ellis Crosby and gang. The state of Florida is going to shut them down again!!!

Sheri,

Is bass and associates the same as Bass enterprises in Florida. I have been dealing with a Sonnie Petersen from there harassing me with payments I am to make with them regarding 3 payday loan companies. He states the same thing that he other people have said that he will release my name to the courts If i dont make a payment. The last time I made the payment i told him I wanted in writing where the money was going but still have not received anything. The total amount of the 3 loans was 800 dollars but he told me the balance was 1800.00. I dont know if i should continue paying or call his bluff and let him release whatever he says to the courts. I am writing a letter to the ct attorney general explaining my situation.

I've been told the actual name of the company is Bass Prelitigations, but when I received the phones calls they were telling me Bass & Associates. When I called the actual loan companies they were giving me the name Bass Enterprises. I think they are doing the different names on purpose to confuse and make it harder for them to get caught. They won't even give people their correct address. When I called the loan company and complained about this place they told me to call Sonny who is supposedly the complaince manager...but he seems to be just as non compliant as his fellow co-workers.

Interesting, I think I am going to do some investigating before they get another dime from me.

The packet I got from the Florida Attorney General's office said "Ellis Crosby and Associates/Bass and Associates. I'm not sure, but what are the odds that Sonny Patterson works for more than one organization? They change their name all the time. Contact the FL AG's office

the same thing happened to me. some foreign guy called me and asked if I had ever been in the dog pound(meaning jail) and that he was going to have someone come to my home or work and arrest me. I called an attorney that I know, and he said that it was total harrassment and to file a complaint, so when the foriegn guy called back, I told him that I was going to press charges for harrassment,and that I filed a complaint, then he hung up on me.

Martha

I am still waiting to get some sort of paper work from this guy Sonny to see exactly where the money I have paid is going. Is this pressure about being arrested just a tactic to get people to pay.

It is a tactic and a very illegal one at that. Several of us on this website have been threatened with that. Did this Sonny person say he was going to send you something?

Yes, The last time I spoke with him I told him I wanted something in wriitng as to where the money I was sendign was going. He asked my address, but havent received anything as of yet, that was on October 17th.

Hmm, I asked for validation in May and I never received anything...Just continued to get phone calls up until I filed Bankruptcy in August.

Did u ever make any payments to them?

Nope, I told them no payments unless I see something on paper...because I knew something was wrong when they started quoting the crazy amounts. Also my dad used to own a collection agency and I knew everything they were doing and saying was illegal. I will admit they had me a little scared though.

Was this the Bass & associates place that u were dealing with?. Did they threaten u with being arrested for fraud?

When I got the first call in May they were going by the name Prelitigations...and that was when I defaulted on Platinum B's loan. Then in July I got calls from Bass & Associates about my platunum B loan and also for FSM's loan and FTR's loan. I got about 4 different calls that gave me different names.
1. Prelitigations
2. Interstate Wire Compliance
3. Bass & Associates
4. Bass Enterprises
They all left the same call back number and two of the names came from the same girl.
I was threatened with arrest, fraud..they told my co-worker they were going to come to my job and make a scene. They even pranked me on my cell phone. When I called back onetime the girl told me she was speaking to the District Attorney about me..I just started laughing and asked her why she would put the DA's office on hold.
It was crazy and I feel sorry for the people who don't have access to websites like this and helpful information that we have all been blessed with.

I may just have to call this guys bluff then, he states that i owe 3 places, FSM, SJM, & EPP. The loans were for 300,200 & 300. He says I owe like 1800. I paid 612.00 to him so far. I believe what is happening here is Bass or whoever buys these debts of the pdl's and then jacks up the price on what is owed. This site is very insightful. (pardon the pun). Thanks pinklady

Your welcome,
One of my loans was for $200 and they were trying to get me to pay $700 on just that loan. I caught him in a couple of lies because one of the loan companies has an account at the bank were I work and he kept saying the Bank was also filing fraud charges on me and that I was check kiting. He didn't realize that I worked for the bank because when I answer the phone I always say the bank name but he kept referring to the bank name we used to be 5 years ago before our merger. I also told him that check kiting is when you float money between two of your own accounts. I just had to school him a little bit, told him I worked for the bank he was referring to and that we haven't been that name for 5 years now and if the bank was pressing charges against me then am I still working for them...He had nothing else to say after that...told me Good Luck and hung up.

It sure feels good to get these idiots where it hurts with INTELLIGENCE!

Im trying to get away from this payday loan mess. I am closing my checking account next week and have already opend a new one. I went to one of my payday loans websites today and it states "Beware-we use teletrak to prevent fraud. If you close your checking account prior to loan payoff and become deliquent-you will be reported". Can they do that?

Has anyone ever had the threats of Bass and company be executed.

Just Register
Just Register

I was told by the BBB that they can't bring criminal charges against you for a payday loan-You also shold let them know that you have proof that you paid the loan back and they can take you to court

I have received several call from a Ron Collins, I had to $940 or they would file fraud charges and I would go to jail. I was scared and paid it. Now they are calling again saying I owe the same amount for another loan. What should I do?

the calls are from 732-231-6372
and from 407-574-2413

You definatly need to get this validated before you send them anymore money. Do you know what company this person is trying to collect for? Get the debt validated and also ask for a statement showing what you paid for the other loan.

Does anyone know if it is possible to have an affidavit downloaded to court from a collection company. Bass and associates had just called me and asked why I havent sent them anymore money. The last time i sent this guy Sonny money I stated that i wanted something in writing and he said fine. Today when he called he was very rude so no he didnt say that, that he has tried to help me and wanted more money. I am willing to pay for these loans I had but not the amount he wants. So in short he said he was downloading these affidavits after he hung up. After reading all of the posts on here, is it possible for then to have me arrested?

Bass & Associates, or whomever they want to call themselves has been threatening me with affidavits since May and they continue to threaten me even after I filed bankruptcy and included all my payday loan accounts. They have no affidavits to file and it's illegal for them to threaten you with arrest. One girl went as far and told me she was on the phone with the District Attorney discussing me. I said "so you put the DA on hold to answer my call" I just started laughing.

Did they say that you committed fraud etc.....I just found it a bit strange that I made a payment to him back in sept arounf the 15th, then another one in october same time frame. So i was expecting his call around the 15th of november but never got one. He calls today and says he gave me enough time to call him back, he was tired of my excuses etc. I guess i will just have to wait and see what happens. Thanks for ur quick reply. That phone call got me startled a bit.

The number they called me from was 877-281-2224. Pinklady do they still call you with these threats?

They were calling me for awhile, calling me at work..getting smart with my co-workers if I wasn't around to answer. They would even call and prank me on my cell phone. They would call me from several different numbers, but most of the time the calls came up restricted. They threatened me with all kinds of fraud and threaten to send somebody to my job...just all kinds of things. I was scared the firt phone call and that's when I found this website and learned more about the company. I filed bankruptcy in August and I've received one call since then and that was last week.

Interesting, so each time they called you they threatened you with downloafing the affidavits, etc.?

Pinklady, They are not supposed to call you during your bankruptcy. Report them. KYSIDE38

I didn't think they were supposed to. I know they should have received something about the bankruptcy by now since I filed in August and already had the court date...I'm just waiting for my discharge papers to arrive.

Pinklady, They can be busted bigtime for this. They are violating a federal order. Bankruptcy is a federal thing. When you go to court heraing it will be in a federal building. Report them its time they learn the law. KYSIDE38

One thing that I had noticed when I first sent Sonny of Bass associates was the account number that I had to use to send the money via moneygram was the same number of the so called affidavit. Has anyone else seen this before.

I just filled out the form on the Florida Attorney's website complaining about Bass & whatever there name may be. Does anyone know how long it takes to hear back a response?

CUBSLB - Did you get any threats for court??

I also got a call from 407-574-2413. They were hard to understand Indians. This lady left 2 RUDE voicemails and when I called back, I got a guy named Kevin Pietersen (obviously not a real name because he was clearly an Indian and so was the woman that called me) - I do owe a 200 loan but they were making up that it was 700% interest so now its $550 plus lawyer charges. I told them I'm not paying their lawyer fees, and that I dont owe twice the amount of the loan. They wouldnt work on a payment arrangement (other than $200/ every 2 weeks which I cannot afford) so they kept saying "contact your attorney" and rudely hung up.

They have not even given me any collection notice in the mail or anything written. Is that even legal??